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Determined & Frustrated!
Comments
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Well done on your NSD's that's good work!
Sorry to hear you failed your exam, do you get to re-take it?
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £3677/£60000 -
Hi LMD - yes I can retake it but I'm feeling completely disillusioned with the organisation to be honest. I'm going to take some time away from that particular idea & try to figure out how I want to go forward... just want to get back to enjoying life for a little bit without feeling quite so stressed!
How are things with you?
xXmas 2016 #67 £0/£365
LBM £29,598 :shocked: (29.05.15) DFD June 2021
29.12.15 - B/card 1 £6813 B/card 2 £3575 Virgin CC £13658 Loan £5842 Next £0 OD £200
20.06.15 - B/card 1 £4139 B/card 2 £4025 Virgin CC £13100 Loan £7303 Next £58 OD £200
Diary http://forums.moneysavingexpert.com/showthread.php?t=52565480 -
Have been thinking about Christmas... scarey I know!
I have a really big family, with lots of nieces & nephews and every year, even if I budget for £10 each, I still run into hundreds of pounds, and that includes only buying for the children
I really don't want to do that this year, soo I have been researching cheap food gifts, and think that maybe I could manage to make some simple chocolate tiffin thing and buy some cheap bags to give as gifts
I've no idea how this will go down with the family, but really I don't think I really care! I'm kinda hoping that they will understand...Xmas 2016 #67 £0/£365
LBM £29,598 :shocked: (29.05.15) DFD June 2021
29.12.15 - B/card 1 £6813 B/card 2 £3575 Virgin CC £13658 Loan £5842 Next £0 OD £200
20.06.15 - B/card 1 £4139 B/card 2 £4025 Virgin CC £13100 Loan £7303 Next £58 OD £200
Diary http://forums.moneysavingexpert.com/showthread.php?t=52565480 -
I'm ok thanks, missed my diary update yesterday as I have a rotten cold so headed straight to bed

Christmas will soon be here, you're right. I think home made chocs and baked goods would be lovely
especially if you have a lot to buy for, I am sure they will understand.
Last year I managed to get the kids a lot of bargains through the 'grabbit' thread, it's worth keeping an eye on that
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £3677/£60000 -
Ooh get well soon LMD - there seems to be loads of bugs around at the mo
I'll go & have a search for the 'grabbit' thread, thanks
Todays report is as follows:
Mon 23rd Sept - NSD
Tues 24th Sept - NSD
Wed 25th Sept - NSD
Thurs 26th Sept - NSD :j
I took sandwiches to work, however I got paid yesterday so filled up the little car with petrol, but I made sure that I went to the closest and cheapest garage which was Morrissons at 131.9 :money: rather than my usual trick of getting below the red & having to go to the closest, most expensive garage
Aiming for another NSD tomorrow... don't think I've ever managed 5 in a row before!!
xXmas 2016 #67 £0/£365
LBM £29,598 :shocked: (29.05.15) DFD June 2021
29.12.15 - B/card 1 £6813 B/card 2 £3575 Virgin CC £13658 Loan £5842 Next £0 OD £200
20.06.15 - B/card 1 £4139 B/card 2 £4025 Virgin CC £13100 Loan £7303 Next £58 OD £200
Diary http://forums.moneysavingexpert.com/showthread.php?t=52565480 -
Well done again on your NSD's darls, that's cheap petrol! I need to search more I think...
I have to wait until Monday for pay day, will clear on Saturday I think but I think it's best to wait
Here's to your 5th in a row!
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £3677/£60000 -
Loving the grabbit thread LMD, thanks, will keep an eye on it for suitable pressies... have my eye on some cure Joules planners for some good friends at £2.70 from £9 each :j
I need to start trialling my xmas goodies I think, maybe thats a lovely Sunday job? I'm sure DH won't complain...
xxXmas 2016 #67 £0/£365
LBM £29,598 :shocked: (29.05.15) DFD June 2021
29.12.15 - B/card 1 £6813 B/card 2 £3575 Virgin CC £13658 Loan £5842 Next £0 OD £200
20.06.15 - B/card 1 £4139 B/card 2 £4025 Virgin CC £13100 Loan £7303 Next £58 OD £200
Diary http://forums.moneysavingexpert.com/showthread.php?t=52565480 -
Ooh I ordered some of those on Tuesday! My sister always uses planners and I could use one at work

I'm sure he won't complain at all, he can be your chief tester
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £3677/£60000 -
Well done on all your NSD's... i havent managed one since payday... sunday might be one!LBM 17/09/2013 [STRIKE]£4283.40[/STRIKE] November 2015 total [STRIKE]£4339.45[/STRIKE]
Current total 29/11/2015 £4226.43
CC - £3844.31 :eek: NW OD - [STRIKE]£500[/STRIKE] £382.120 -
I joined the 'The Super-Duper September NSD Challenge' to keep me focused... You basically decide the rules of what is included as a 'spend' do I don't include direct debits and I don't include my 'payment a day' challenge payment. Just unnecessary spends so I have really cut back, for example I still have £80 in the bank and I get paid on Monday...
That rarely happens!
You should try it
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £3677/£60000
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